By Helgi Library - May 24, 2025
CSOB Stavebni Sporitelna made a net profit of CZK 488 mil in the fourth quarter of 2024, up 223% when compared to the same period...
By Helgi Library - May 24, 2025
CSOB Stavebni Sporitelna made a net profit of CZK 488 mil under revenues of CZK 604 mil in the fourth quarter of 2024, up 223% and ...
By Helgi Library - May 24, 2025
CSOB Stavebni Sporitelna's capital adequacy ratio reached 29.5% at the end of fourth quarter of 2024, up from 29.5% when compared...
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| income statement | Unit | Sep 2025 | Jun 2024 |
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| Net Interest Income Growth | % | ... |
| ratios | Unit | Sep 2025 | Jun 2024 |
| ROTE | % | ... | |
| Return on Loans | % | ... | |
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By Helgi Library - May 24, 2025
CSOB Stavebni Sporitelna's customer deposits reached CZK 108,230 mil in 2024-09-30, down 0.439% compared to the previous year. Czech banking sector accepted customer deposits of CZK 7,407 bil in 2024-09-30, up 1.79% when compared to the last year. CSOB St...
By Helgi Library - May 24, 2025
CSOB Stavebni Sporitelna employed 165 persons in 2024-12-31, down 1.20% when compared to the previous year. Historically, the bank's workforce hit an all time high of 580 persons in 2015-03-31 and an all time low of 165 in 2024-12-31. Average cost reached USD 5,54...
By Helgi Library - May 24, 2025
CSOB Stavebni Sporitelna's retail deposits reached CZK 106,689 mil in 2024-09-30, down 1.73% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,846 bil in 2024-09-30, up 1.05% when compared to the last year. CSOB Stavebn...
By Helgi Library - May 24, 2025
CSOB Stavebni Sporitelna's mortgage loans reached CZK 117,584 mil in 4Q2024, down 0.325% compared to the previous year. Czech banking sector provided mortgage loans of CZK 1,834 bil in 4Q2024, up 1.73% when compared to the last year. CSOB Stavebni Sporite...
By Helgi Library - May 24, 2025
CSOB Stavebni Sporitelna's non-performing loans reached 1.50% of total loans at the end of 2024-12-31, down from 1.61% compared to the previous year. Historically, the NPL ratio hit an all time high of 4.72% in 2018-06-30 and an all time low of 0.538% in 2003-09-...
By Helgi Library - May 24, 2025
CSOB Stavebni Sporitelna's net interest margin amounted to 1.73% in the fourth quarter of 2024, down from 1.81% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 2.28% in 4Q2009 and an all time lo...
By Helgi Library - May 24, 2025
CSOB Stavebni Sporitelna generated total banking revenues of CZK 647 mil in 2024-09-30, down 7.70% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 60,032 mil in 2024-09-30, down 7.58% when compared to...
By Helgi Library - May 24, 2025
CSOB Stavebni Sporitelna's customer loans reached CZK 117,978 mil in 2024-09-30, down 0.832% compared to the previous year. Czech banking sector provided customer loans of CZK 4,524 bil in 2024-09-30, up 1.44% when compared to the last year. CSOB Stavebni...
By Helgi Library - May 24, 2025
CSOB Stavebni Sporitelna's Cost of Risk (loan loss provisions as % of total assets) amounted to -1.04% in the fourth quarter of 2024, down from 0.014% when compared to the previous quarter. Historically, the bank’s cost of risk reached an all time high of 1.13% ...
By Helgi Library - May 24, 2025
CSOB Stavebni Sporitelna's retail loans reached CZK 117,967 mil in the third quarter of 2024, down 0.831% compared to the previous year. Czech banking sector provided retail loans of CZK 2,333 bil in 3Q2024, up 1.52% when compared to the last year. CSOB S...
ČSOB Stavební Spořitelna is the biggest building society in the Czech Republic. It was founded in 1993 as a joint venture between ČSOB and Bausparkasse Schwäbisch Hall. Since its beginning, ČMSS has concluded more than 8 mil building savings contracts and provided its clients with more than 1.1 mil housing loans. In April 2019, ČSOB became its sole shareholder. Formerly known as ČMSS, also known in Czech Republic as “the Fox” because of its mascot, is the biggest building savings bank in the Czech Republic with approximately 40% market share in building savings loans and building savings deposits. ČMSS currently has around 1.3 mil clients, some 1,800 tied agents and approximately 300 advisory points.
CSOB Stavebni Sporitelna has been growing its revenues and asset by % and % a year on average in the last 3 years. Its loans and deposits have grown by % and % a year during that time and loans to deposits ratio reached at the end of 2024. The company achieved an average return on equity of % in the last three years with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached in 2024, compared to % average in the last three years.
Equity represented of total assets or of loans at the end of 2024. CSOB Stavebni Sporitelna's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2024.
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